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Checking Accounts

Choose the Right Account For You

We’re all unique and so are your checking account needs. All of our accounts can be configured with no monthly service fees to match your lifestyle. Whether you prefer to stop in the bank to discuss questions with our team or if you prefer to bank completely electronically, our accounts can be configured for you. Contact a personal banker today to get started!

Contact A Personal Banker

If you already have an account with us and would like to completely switch your other accounts over, please complete our online switch kit .

Switch Your Accounts

We offer 5 different accounts to help you maximize every hard-earned dollar deposited.

Our Top Customer Accounts

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Totally Free Checking

The simplicity of this account helps you manage funds, have all the tools you need to build your account and not be concerned with minimum balance requirements.  You can switch your accounts by completing our online switch kit.

 

Switch Your Accounts

Overview

Complimentary Features

  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • Mobile Check Deposit
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools

Fee Details

  • Minimum Balance - $0
  • Monthly Service Fee - $0

Additional Details

First order of Checks Free

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Premium Checking

 

Premium Checking comes with all the bells and whistles!  This accounts allows you to earn a rate of return on your hard earned money and also be able to track expenses, set goals and watch your money grow. Switch your accounts to bank with us by using our online switch kit.

Switch Your Accounts

Overview

Complimentary Features

  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • Mobile Check Deposit
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools

Fee Details

  • Minimum Balance - $10,000 (entire portfolio)
  • Monthly Service Fee - $10 (If portfolio balance falls below $10,000).

Additional Details

  • Free Checks
  • Free Small Safe Deposit Box (subject to availability)
  • 0.10% Rate bump on CDs

Choose One Bonus Coupon Annually:

  • Streeter/Thunder Card or $10 Pelican Rapids Chamber Bucks
  • Annual Cash Reserve Fee Waived ($30 value)
  • 3 Free Person-to-Person Payments
  • Fee Waived of Gift Card Purchases

*Coupons available at each location upon request.

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Totally Free Plus Checking

Keep it simple but earn interest on the money you have worked hard for.  You have all the features need to keep on top of what you have and grow your money to where you want to be. Complete our online switch kit to start banking with us and  open your account.  *Account is for 55 years of age or better.

Switch Your Accounts

Overview

Complimentary Features

  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • Mobile Check Deposit
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools

Fee Details

  • Minimum Balance - $0
  • Monthly Service Fee - $0

Additional Details

  • Free Checks
  • First Year Free for Small Safe Deposit Box (subject to availability)

Compare All Accounts Below

Account NameOverviewComplimentary FeaturesFee DetailsAdditional Details

Totally Free Checking

  • Minimum Deposit to Open: $0
  • Reduced HELOC Rate (with automatic transfer)
  • Non-Interest Bearing
  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools
  • Minimum Balance - $0
  • Monthly Service Fee - $0
First order of Checks Free

Premium Checking

  • Minimum Deposit to Open: $0
  • Reduced HELOC Rate (with automatic transfer)
  • Interest Bearing (Interest is earned on all balances at tiered rate)
  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools
  • Minimum Balance - $10,000 (entire portfolio)
  • Monthly Service Fee - $10 (If portfolio balance falls below $10,000)
  • Free Checks
  • Free Small Size Safe Deposit Box (depending on availability
  • 0.10% Rate bump on CDs

Choose One Bonus Coupon Annually

  • Streeter/Thunder Card or $10 Pelican Rapids Chamber Bucks
  • Annually Cash Reserve Fee Waived ($30 Value)
  • 3 Free Person-to-Person Payments
  • Fee Waived of Gift Card Purchases

 

Totally Free Plus Checking
  • Minimum Deposit to Open: $0
  • Reduced HELOC Rate (with automatic transfer)
  • Interest Bearing (Interest is earned on collected balances of $1,000 or more)
  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools
  • Minimum Balance - $0
  • Monthly Service Fee - $0
  • Free Checks
  • Free Small Size Safe Deposit Box (depending on availability

Student Checking

  • Minimum Deposit to Open: $0
  • Non-Interest Bearing
  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools
  • Minimum Balance - $0
  • Monthly Service Fee - $0
  • First order of Checks Free
  • Receive $5 monthly bonus for first 6 months account is open - Must have Debit Card and E-Statements
  • Only high school students are eligible for this account

Homeowners Checking

  • Minimum Deposit to Open: $0
  • Reduced HELOC Rate (with automatic transfer)
  • Interest Bearing (Interest is earned on all balances at tiered rate)
  • ATM/Debit Card
  • Online/Mobile Banking
  • Mobile Wallet
  • E-Statements
  • Money Pass ATM Transactions
  • Personal Financial Management Tools
  • Minimum Balance - $0
  • Monthly Service Fee - $0
  • Home loan must be at Minnesota National Bank, or paid through Minnesota National Bank, to qualify
  • Earn up to $100 credit on closing costs for any Real Estate loan (In house or Secondary market loan)

Learn all the features you can manage online.

Online and Mobile Banking